The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$95,686
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,663
−HK$3,024/mo
Today · 4.125%
HK$101,687
baseline
▲ 0.50% · 4.625%
HK$107,874
+HK$6,187/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$203,374/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,450
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,305
−HK$2,896/mo
Today · 4.125%
HK$112,201
baseline
▲ 0.50% · 4.625%
HK$118,116
+HK$5,915/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$224,402/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,824
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,395
−HK$3,629/mo
Today · 4.125%
HK$122,024
baseline
▲ 0.50% · 4.625%
HK$129,449
+HK$7,425/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$244,048/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,740
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,166
−HK$3,476/mo
Today · 4.125%
HK$134,642
baseline
▲ 0.50% · 4.625%
HK$141,739
+HK$7,097/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$269,284/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,961
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,128
−HK$4,234/mo
Today · 4.125%
HK$142,362
baseline
▲ 0.50% · 4.625%
HK$151,024
+HK$8,662/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$284,724/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,030
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,027
−HK$4,055/mo
Today · 4.125%
HK$157,082
baseline
▲ 0.50% · 4.625%
HK$165,362
+HK$8,280/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$314,164/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,236
−HK$10,800/mo
▼ 0.25% · 3.875%
HK$177,593
−HK$5,443/mo
Today · 4.125%
HK$183,036
baseline
▲ 0.50% · 4.625%
HK$194,174
+HK$11,138/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$366,072/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,610
−HK$10,352/mo
▼ 0.25% · 3.875%
HK$196,749
−HK$5,213/mo
Today · 4.125%
HK$201,962
baseline
▲ 0.50% · 4.625%
HK$212,608
+HK$10,646/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$403,924/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,428 · Scale 2, in force from 26 Feb 2026)